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Back Overview Earth provides you with the ability to earn Qantas Frequent Flyer points1per $1 spent on purchases Key Benefits Accepted at over 29 million locations around the world 17.99%p.a. variable interest rate on purchases 19.24% p.a. variable interest rate on cash advances 0.99%p.a. interest rate on balance transfers requested at card application for 6 months2 An annual fee of $75 Up to 45 days interest free on purchases. Pay a reduced interest rate of 5.99%p.a. on the purchase of eligible Qantas products and services such as flights and holidays3 when you spend $500 or more per transaction An extra point for every dollar spent on selected Qantas products and services3 You earn 0.5 points per $1 spent on the Earth MasterCard No points capping No Additional Card Holder fees Features Annual Fee ($): 75.00 Annual Interest Rate (%): 17.99 Interest Free Days (up to): 45 Additional Cards: Yes Cash Advance Facility: Yes Apply Now Apply online at www.earth.com.au Apply over the phone on 1300 550 496

Fees and charges are payable. Full details of all terms and conditions are available on request. These may be varied, or new terms and conditions introduced in the future.

1. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but is waived for new Earth, Earth Gold or Earth Platinum cardholders where card applications are received by 30 June 2009. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer

2. This rate is only available to customers who are applying for a new Earth, Earth Gold or Earth Platinum card and request to transfer the balance(s) from a non-Virgin or non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard cash advance interest rate (currently 19.24%pa and variable) and will be treated as cash advances with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other cash advance or purchase amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer or any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card's standard variable interest rate for cash advances then applicable to your card account. Each balance transfer must be a minimum of $200.

3. Only when you spend at least $500 on selected Qantas transactions you’ll pay a fixed rate of 5.99% p.a. on those transactions. To activate this rate you must call us on 1300 762 284 and notify us after the transaction. From the date you notify us, the promotional rate will apply to that purchase. You will lose the benefit of the interest free days on all credit purchases where the closing balance (including any balance transfer or promotional amount, including any amount to which the promotional 5.99%p.a.fixed rate applies) is not paid in full by the statement due date each month. Prior to notifying us, the standard variable interest rate on purchases will apply to that purchase. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer membership, purchases from Qantas Holidays, purchases from 'Qantas Travel' customer shopfronts and purchases on Hotels on qantas.com - Excludes Jetstar flights and services.